NYSE:C

Citigroup Inc. (C)

132.87
-2.28 (1.69%)
as of Jun 5, 2026, 3:36:39 pm Market Open.
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Investor Insights
star iconJun 5, 2026, 12:00 am

This summary was created by AI, based on 38 opinions in the last 12 months.

Citigroup Inc. (C) is experiencing a significant turnaround under new management, demonstrating impressive earnings growth and strategic restructuring. Analysts highlight a remarkable Q4 performance, with earnings up 56%, and expect continued growth, particularly in wealth management and investment banking. Despite some macroeconomic pressures, such as rising interest rates, the stock trades below book value, providing a compelling investment opportunity. The CEO's focus on core franchises and operational efficiency is gaining recognition, making Citi an attractive choice relative to its peers, although some analysts still prefer JPMorgan Chase (JPM) for its stability and premium valuation. The overall sentiment suggests a positive trajectory, encouraging investors to capitalize on its current price point before potential price revisions occur.

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Consensus
Buy
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Valuation
Undervalued
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Similar
JPM
DON'T BUY
Just marginally getting permission to start issuing dividends again they come off the TARP program. Will take a while. Efficiency ratio is bad, high costs ROE are low and Tier 1 capital is still very low so there is a lot of risk being shown in the share price. Their bonds would be better.
DON'T BUY
Going to have a 10 to 1 split. A reverse split is rarely a good sign. Looks like there are still some hang-ups coming from Europe. Still sees global de-leverization.
COMMENT
Doesn’t understand reverse splits. Pension funds have no trouble buying a $4 stock. Used to own the stock but sold. It will go up and do well, but prefers others. They are really an international bank.
DON'T BUY
Highest beta because of market volatility. A 10 for 1 consolidation makes the math very negative. It’s too early of a story – wait 2 or 3 years.
DON'T BUY
It has been said that when a company does a reverse split, it never recovers, but he doesn’t think so in this case. He just thinks they are embarrassed to have a stock priced under $5. It also disables some institutional investors from owning the stock so by consolidating it, it opens up the stock to more investors. The market for mortgage-backed securities has recovered in the last 3 months. The problem for an investor is that it is hard to know what is going on. If you don’t understand it, don’t buy it. He would wait at least another year.
DON'T BUY
Not his favourite of the US banks. Have a little trouble getting out of its own weight. Diluted the living daylights out of everything. Would prefer Bank of America or Goldman Sachs.
DON'T BUY
On his watch list. Is waiting for Gov’t to sell off their shares. They have pretty well exited. They are now too big to fail which is a nice backstop. They will survive, but he doesn’t have a good sense as to how they will prosper.
RISKY
Bought last year in TFSA. At $4 he thought it was worth the gamble. He thinks there are significant breakdowns to come, but US banks look somewhat attractive. Bought for himself but would not for clients.
DON'T BUY
Still a big global bank. Gone through the depths of 2008 and was rescued by the government. Have a lot of leverage so it global recovery continues to pick up they’ll be able to take advantage of it. Prefers other US financials.
DON'T BUY
Concerned about severe dilution in 2008. You are looking at a stock at the same multiple as Canadian banks. Would prefer Canadian Banks.
HOLD
Had a big bounce off its lows. If you own it, he would keep it. He would not be surprised if they started to break it up. He doesn’t worn a US bank. He doesn’t know what’s inside C-N
COMMENT
Doesn’t own any US banks. If everything goes smoothly, the best leverage is in the US banks because they have been punished so much. (See Top picks.)
TOP PICK
Amazing global footprint. Tremendous earning power. Immense tax-loss carry forward. 60% of earnings are from outside the US. Will also benefit from the yield curve as the cost of money for them is .25% from the fed and they can turn around and loan that money or buy other securities that yield more than that.
COMMENT
Thinks the whole us banking sector has an opportunity do well over the intermediate to long term. Would prefer Bank Of America (BAC-N) or Goldman Sachs (GS-N).
DON'T BUY
The walking dead. Things are looking a little better but still a high risk bank to own.
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